Chubb Auto Insurance: The Premier Choice for Luxury, Exotic, and Classic Cars

When it comes to protecting a Ferrari, Lamborghini, vintage Porsche, or a meticulously restored 1960s Jaguar E-Type, not just any auto insurance policy will do. For owners of high-value vehicles—whether it's a sleek sports car, an elegant luxury sedan, or a rare collector's gem—standard insurance options often fall short. That’s where Chubb Auto Insurance excels.

With its renowned Chubb Masterpiece Auto coverage, this global insurer offers one of the most robust and exclusive car insurance policies on the market. Tailored specifically for luxury car insurance, exotic car insurance, and classic car insurance, Chubb has carved out a reputation as the go-to insurer for high net worth auto insurance needs.

This guide will walk you through everything you need to know about Chubb car insurance—from pricing and coverage to claims experiences and how it stacks up against competitors like GEICO, PURE, and AIG Private Client.

Why Chubb Auto Insurance Stands Out

1. Built for High-Value Vehicles

Unlike mass-market carriers, Chubb doesn’t just adapt traditional policies for high-end clients—it designs them from the ground up for premium auto insurance needs. Chubb’s agreed value coverage is a game-changer for owners of luxury, classic, or exotic cars. Instead of using depreciated market value, Chubb lets you set the value of your car upfront. If the vehicle is stolen or totaled, you receive the full agreed amount with no depreciation.

Example: If you insure your Ferrari F8 Tributo for $450,000 and it’s totaled, Chubb pays the full amount—no haggling, no depreciation.

2. OEM Parts Guarantee

Another standout feature is Chubb’s OEM parts car insurance. Should you need a repair, Chubb guarantees original manufacturer parts, maintaining the integrity, value, and performance of your vehicle. This is critical for exotic car owners who don’t want aftermarket replacements.

3. High Liability Limits

Chubb also provides high-limit auto liability insurance, ideal for affluent individuals who need serious protection from lawsuits or accident claims. For drivers with significant assets to protect, standard policies don’t come close to meeting liability expectations.

Coverage That Goes the Extra Mile

Chubb Masterpiece Auto Policy

This flagship offering is specifically crafted for luxury and collector vehicle owners. It includes:

• Worldwide auto coverage (for when you drive or store your vehicle abroad)
• Agreed value payouts on total loss
• No mileage limits on collector car insurance
• Rental reimbursement for luxury vehicles
• Uninsured/underinsured motorist protection
• Lock replacement and key fob replacement
• Trip interruption coverage for travel-related accidents

Learn more about coverage options at Noble Quote’s Learning Center

Is Chubb Auto Insurance Worth It?

If you drive a car that’s worth more than $100,000, chances are you’ve already considered or been recommended a specialty policy. So, is Chubb car insurance worth it? The short answer: Yes—especially for luxury, classic, or exotic car owners who want comprehensive protection with white-glove service.

Standard auto insurers often place mileage limits, depreciate vehicle values, or refuse to cover custom work or modifications. Chubb’s policies, by contrast, are built for clients who expect superior service and flexibility.

Who Qualifies for Chubb Auto Insurance?

To be eligible for a Chubb auto insurance quote, you typically must:

• Own a high-value vehicle (often valued over $100,000)
• Own multiple vehicles or properties
• Be considered a high net worth individual or family
• Maintain a clean driving record
• Live in an area where Chubb operates (Chubb offers coverage across most U.S. states)

If you qualify, Chubb can often bundle luxury vehicle insurance with homeowners, excess liability (umbrella), and collectibles insurance.

How Much Does Chubb Auto Insurance Cost?

A common question is, how much does Chubb auto insurance cost? While prices vary by location, driving history, and vehicle value, expect to pay significantly more than standard policies. However, you're also getting significantly more.

• Luxury vehicles (Mercedes, BMW, Lexus): $2,000–$4,000 annually
• Exotic cars (Ferrari, McLaren, Lamborghini): $4,000–$10,000+ annually
• Classic cars (insured for agreed value): Often lower due to infrequent use, starting at $500–$1,500 per year

Chubb's premiums reflect the value of what they cover—and the exceptional service they provide when you need it most.

Chubb vs. Competitors: PURE, AIG, Hagerty

Hagerty is great for classic cars but lacks many of the luxury coverage options Chubb offers. PURE and AIG offer similar white-glove service, but Chubb stands out for its seamless OEM parts, international protection, and broader bundling options.

Real-World Chubb Claims Experience

In online Chubb insurance reviews auto, many clients highlight the exceptional speed, attention, and expertise Chubb brings to the claims process.

“When my Aston Martin was sideswiped in a parking lot, Chubb didn’t just pay—they sent it to an approved luxury repair shop and coordinated a Bentley rental for the week.” — Verified Client Review

“With my vintage Porsche, I was worried about value depreciation. Chubb gave me full payout under agreed value, and the claims adjuster was incredibly knowledgeable about collector vehicles.” — Collector Client

How to Get a Chubb Auto Insurance Quote

You can get a quote by contacting a Chubb-appointed agent, many of whom specialize in car insurance for high value cars. Unlike online portals for basic insurance quotes, the Chubb process often includes:

1. A thorough review of your car’s value and use
2. Inspection for agreed value coverage
3. Bundling options if you have other Chubb policies

At Noble Quote, we can help connect you with providers who understand the nuances of luxury coverage. Reach out today to learn more.

Chubb Auto Insurance for Specific Vehicle Types

• Insurance for Ferrari: Full agreed value, OEM parts, luxury rental reimbursement
• Insurance for Lamborghini: No mileage caps, concierge service
• Insurance for Porsche: Classic and modern models eligible; collector packages available
• Chubb auto insurance for collectors: Special rates and unlimited mileage options
• Chubb auto insurance for antique vehicles: Agreed value and restoration support

Modified vehicle? No problem. Chubb also offers options for insurance for modified luxury cars that include customizations and tuning, as long as they're properly declared.

International Travel and Coverage

Do you store your Rolls-Royce at a European estate or ship your McLaren to the Monaco Grand Prix? Chubb auto insurance international travel coverage ensures your car is protected abroad with the same level of care you’d receive at home.

Drive Protected. Drive Prestigious.

If you’re driving a car that turns heads, don’t settle for basic protection. Chubb Auto Insurance gives you peace of mind, full vehicle value protection, and elite service tailored to your lifestyle. Whether you're safeguarding a vintage Shelby or a brand-new Bugatti, Chubb understands your investment—and treats it like one.

Ready to explore premium auto insurance options? Visit our Learning Center to learn more about how to protect your luxury car the right way.